[grimel]

Unless it's been changed recently, games of chance are illegal. Games of skill can have wagers and be legal. If someone is taking a rake it's illegal. Now that there is a state lottery, most of the old charity "gambling" events are back on. Do note this "illegal" charity crap became a big deal during the reign of a moron governor.

The law is so moronic in pool a player auction is legal, but a calcutta is illegal. What's the difference you ask? The words used.

As for First Tn Bank, it's ran in a manner that is less than friendly to students and "marginal" types. Only Home Federal is more conservative (but HF is MUCH easier for the customer, they are just TIGHT with a loan). If you are small time (read student/marginal) they'd prefer you bank elsewhere.